Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Louis County, Missouri
Every institution that decided a 1–4 unit mortgage application in St. Louis County, home to Florissant, between 2023 and 2025: 18,005 applications, 13,905 loans actually funded, across 8 kinds of borrowing.
St. Louis County at a glance
18,005Applications decided
2023–2025
13,905Loans funded
77% of decisions
104Census tracts
20 ZIP codes
996,618People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Home improvement loans is the hardest money to get here: lenders approved 52% of 2,020 applications.
Lending by loan type in St. Louis County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.8% | 8,586 | $225K | 97% | 291 |
| Home improvement loans | 51.5% | 2,020 | $55K | 93% | 92 |
| Cash-out refinance | 58.2% | 1,542 | $125K | 94% | 147 |
| Refinance | 81.4% | 1,595 | $225K | 93% | 160 |
| Investment property purchase | 88.2% | 2,446 | $155K | 95% | 245 |
| Investment cash-out refinance | 72.3% | 787 | $155K | 92% | 130 |
| Investment refinance | 79.1% | 736 | $175K | 93% | 145 |
| Investment home improvement | 53.6% | 293 | $145K | 96% | 66 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.